The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,320
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$516/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$494/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,584
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$619/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$592/mo
Today · 4.125%
HK$22,964
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,928/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$692/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,376
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$928/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$889/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,715 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).